Lucky Shell Fintech Lending, Inc. is a Philippine lending company operating the MayPera online personal-loan platform. The company has also previously registered the online lending platform names LuckyPeso and MiPeso, but MayPera is the active brand with a verified website and current Google Play page.
The main company and product details are:
Company: Lucky Shell Fintech Lending, Inc.
Primary active brand: MayPera
Other recorded platform names: LuckyPeso and MiPeso
Company website: luckyshell-fintech.com
Brand website: www.maypera.ph
Android application: play.google.com/store/apps/details?id=com.maypera.peso
The separate company website luckyshell-fintech.com identifies Lucky Shell Fintech Lending, Inc. as the lender. However, the company’s Google Play developer account directs customers to www.maypera.ph, which is the main verified consumer website for the MayPera service.
Lucky Shell Fintech Lending, Inc. currently operates primarily under the MayPera brand.
MayPera is an online personal-loan service through which applicants can register with a phone number, complete identity verification, request a loan and provide an account for receiving approved funds. The company states that the application review is completed online and that successful applicants receive the money through the account added to the platform.
Historical lists of recorded online lending platforms also connect the company with:
A current official website or application for LuckyPeso or MiPeso was not verified during the review. They should therefore be described as other recorded or historical platform names rather than confirmed active products.
The official MayPera consumer website is:
Brand website: www.maypera.ph
The verified Android application is:
Application name: MayPera – Online Peso Cash Loan
Application link: play.google.com/store/apps/details?id=com.maypera.peso
Developer: Lucky Shell Fintech Lending Inc.
The Google Play page identifies Lucky Shell Fintech Lending Inc. as the developer and displays the company’s SEC registration number, Certificate of Authority, support details and Makati address. The application had more than one million downloads when reviewed and was last updated on May 14, 2025.
An active official iPhone application for MayPera was not confirmed.
The official Google Play description publishes the following general conditions:
The published maximum of ₱100,000 is not guaranteed to every applicant. MayPera may approve a smaller amount based on the information submitted and the result of its credit and fraud assessment.
The company also advertises repeat borrowing with the possibility of a higher loan amount. This does not guarantee that the limit will increase after repayment. Any new amount remains subject to another assessment.
The official app listing provides an example based on a ₱5,000 loan for 120 days.
The calculation is presented as follows:
The example shows that the 10% service fee is deducted before disbursement. Although the stated principal is ₱5,000, the borrower receives ₱4,500 and repays approximately ₱5,230.
Applicants should therefore compare both the principal and the net proceeds. The main figures to verify are:
The representative example does not guarantee the same rate or amount for every customer.
The public application page lists three basic requirements:
The company’s terms also state that the service is intended for people who have the legal capacity to enter into a contract. Minors and users whose accounts have been suspended or disqualified may not use the platform.
Meeting the basic conditions does not guarantee approval. MayPera may reject an application without granting the requested amount and may ask for additional information to verify the applicant.
The MayPera privacy policy states that the company may process personal, financial and device-related information, including:
The information may be used for identity verification, credit assessment, fraud prevention, risk modelling, customer support and regulatory compliance.
The policy also refers to religious information among the data that may be supplied by users. Applicants should review each field in the current application and provide only the information required for the loan process.
Applicants should use the verified Google Play page:
Android application: play.google.com/store/apps/details?id=com.maypera.peso
The developer must be displayed as:
Lucky Shell Fintech Lending Inc.
Applications distributed through unofficial APK websites, social-media links or private messages should not be treated as verified MayPera software.
The customer creates an account using a valid Philippine mobile number. The company uses the number for registration, SMS verification and account communication.
The user should not disclose passwords, PINs or one-time verification codes to another person.
The applicant supplies the identity, address, employment, income and other information requested in the app.
The terms require users to provide accurate and current personal information. MayPera may suspend or reject an account when it cannot verify the submitted details.
MayPera requests camera access so the applicant can photograph a government-issued ID and complete facial verification. The company states that it does not use this permission to access unrelated photographs or videos already stored on the device.
The privacy policy states that MayPera collects information for two selected emergency contacts:
The contacts may be entered manually or selected individually from the phone’s contact list. MayPera states that this process does not upload the entire contact list.
Applicants should obtain permission before submitting another person’s contact details.
The customer adds a supported account for receiving approved funds. The privacy policy refers to both bank and e-wallet information.
The account details should be checked carefully before the application is submitted.
The user selects from the loan options available in the account and submits the request for review.
The website states that applicants can choose an amount according to their needs, add a receiving account and view the verification result through the platform.
Before confirming the loan, the applicant should verify:
Only the conditions shown in the individual Disclosure Statement and loan agreement should be treated as the applicable offer.
The MayPera website states that verification may be completed in approximately three minutes and that approved money is then transferred to the customer’s account. The app listing also advertises continuous online review and fast disbursement.
These statements are promotional processing estimates rather than guaranteed deadlines. The review may take longer when:
Submitting an application does not guarantee approval or immediate receipt of money.
MayPera publishes a maximum annual interest rate of 14% and a one-time service fee of 10%.
Because the service fee may be deducted before disbursement, the approved principal can differ from the amount actually received. A customer approved for ₱5,000 under the published example receives ₱4,500 after the fee but owes the ₱5,000 principal plus interest.
The borrower should therefore evaluate the transaction using:
A relatively low advertised annual interest rate does not by itself describe the complete cost when a separate fee applies.
The public website instructs borrowers to repay before the due date to avoid penalties and improve the possibility of receiving a higher future limit.
A complete public list of repayment channels was not located. Borrowers should follow only the instructions displayed in:
Before making a payment, the customer should confirm:
Payments should not be transferred to an unidentified personal bank account or e-wallet belonging to someone claiming to be a company agent.
MayPera’s terms warn that failure to meet payment obligations may result in late fees and interest and may affect the borrower’s credit record. The public terms do not publish one universal late-payment rate applicable to every account.
The applicable penalty should be stated in the individual agreement.
Customers who expect difficulty repaying should contact the company before the due date and request written information about the available options.
The app advertises one-click repeat borrowing and the possibility of receiving a larger limit after successful repayment. The website also states that on-time repayment can help increase the credit limit.
A repeat loan is a separate transaction and remains subject to approval. The customer should review the new rate, service fee and term rather than assume that they will be the same as those of the previous loan.
The MayPera privacy policy describes several device permissions used in its assessment process.
The company states that it may collect SMS sender details, dates and content for credit evaluation, fraud prevention and risk assessment. It says messages that are not useful for financial-risk analysis are filtered and deleted.
MayPera may collect approximate device location to reduce account risk and improve data security.
Camera access is used to photograph an ID and the applicant’s face for Know Your Customer verification.
MayPera collects two emergency contacts selected or manually entered by the applicant. The policy states that it does not access the full contact list.
The application may collect information about specified financial apps installed on the device, including the app name, version and installation or update time. The stated purposes are risk assessment and fraud prevention.
The platform may process Wi-Fi, network, advertising ID, IP address, device name, operating system and application-use data.
Applicants should review all permission requests before granting access.
MayPera states that personal information is retained for as long as necessary to provide the service, comply with legal obligations, resolve disputes and enforce agreements.
The website and application provide an account-deletion procedure. An account cannot be deleted while:
After deletion, the same mobile number may generally be registered again after 15 days. Previous account data is not restored.
Lucky Shell Fintech Lending Inc. appears in the Credit Information Corporation’s current list of entities submitting credit information in production.
This means that relevant loan and payment information may be submitted to the Philippine credit-information system. Late or unpaid obligations may therefore affect future credit applications.
Lucky Shell Fintech Lending, Inc. publishes the following regulatory information:
The company appears in the SEC historical lending-company register and remains listed by the CIC as a submitting entity.
The rate shown in the 2020 SEC list is historical and should not be used as the current MayPera price. Current applicants should rely on the terms displayed in the application.
Company: Lucky Shell Fintech Lending, Inc.
Brand: MayPera
Company website: luckyshell-fintech.com
Brand website: www.maypera.ph
Android application: play.google.com/store/apps/details?id=com.maypera.peso
Customer-service email: [email protected]
Customer-service phone on the app page: +63 969 619 2358
Additional phone on the MayPera website: +63 961 338 4956
Business hours: Monday to Friday, 9:00 a.m. to 6:00 p.m.
Brand office: Unit 1009, Cityland Pasong Tamo Tower, Chino Roces Avenue, Pio del Pilar, Makati City 1230, Metro Manila, Philippines
Corporate website address: Unit D, No. 41 12th Street, New Manila, Quezon City 1100, Metro Manila, Philippines
The company and brand pages publish different office addresses. Customers planning an office visit should first confirm the current address through MayPera customer support.
The primary verified active brand is MayPera, and its official consumer website is www.maypera.ph
Yes, the Lucky Shell Fintech Lending, Inc. is legit. It registered with the Securities and Exchange Commission (SEC), with Registration No. CS201912995 and Certificate of Authority No. 3055. To verify this information, you may also visit the official SEC website.
If you want to file a complaint against "Lucky Shell Fintech Lending, Inc.", you may leave a review or contact the SEC by email at [email protected] or by calling the SEC Call Center at 02-5322-7696.
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